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We could get into a situation here of a moral hazard by rewarding bad behavior.
VOA: special.2009.08.08
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This is an interesting question: do they solve the moral hazard and adverse selection problem as well as banks do?
一个有意思的问题出现了,他们可以向银行那样,处理好道德风险以及逆向选择问题吗
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The problem with long-term risks, also, is that anything that we do to mitigate these risks creates moral hazard.
关乎长期风险的问题，我们要采取一切手段,减轻这些风险,带来的道德风险。
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Some people think that the rating agencies have allowed a kind of moral hazard to creep into their organization.
有些人认为,信用评级机构,已经让某种程度的道德风险,渗透到他们的机构中
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You have to exclude those causes that generate moral hazard problems for the insurance to work; otherwise, the whole system will fail.
你得将一些,有可能会产生道德风险的情况,排除在外;,否则，整个保险系统就失效了。
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It does create moral hazard problems-- that's a problem with it, but that's something that we're learning about.
这会引发道德风险问题-,这是弊端所在，但这也正是我们要学习研究的。
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Moral hazard occurs when a risk management institution incentivizes you to do bad behavior-- to show bad behavior.
道德风险产生于,风险管理机构怂恿人们,采用有悖于道德与人性手段。
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In other words, lower the amount insured below the actual value of the house to prevent moral hazard.
换句话说，将房屋的保险价值低估于其实际价值,以此来防范道德风险。
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They have been working on improving their methods and they're trying to create divisions within their organizations that prevent the moral hazard from happening.
他们已经对技术进行改进,并且他们正尝试,在机构中划分部门,以便防范道德风险的发生
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The moral hazard crept in because they said, hey we can borrow at a high rate.
业内悄然出现道德危机,因为他们说,我们可以提高存款利率
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That's moral hazard; but it's not unique to that, it's all over the place.
这就是道德风险;,并不仅仅是这一项，随处可见这个问题。
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Those exclusions are carefully designed in regard to moral hazard and selection bias.
除外责任是考虑到道德风险和选择性偏差,而精心设计的
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These are efforts to solve the moral hazard problem and to manage risks.
这些都是为了解决道德风险问题,和进行风险管理。
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They have to contend with something called moral hazard, which is the risk that people will be affected by the fact that they're insured and do something bad.
保险公司必须应对道德风险的问题,也就是说,有些人可能会因为购买了保险,而动了歪念来骗取保费
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The classic moral hazard problem is the problem that you give fire insurance on a house and someone burns down the house in order to collect the insurance.
有个经典的道德风险的例子就是,给一栋房子投保了火险,有人就可能会烧了这栋房子,以获得保险赔付
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I've got three main reasons, they're: adverse selection, moral hazard, and liquidity.
我总结出三个主要原因,分别是,逆向选择,道德风险,及流动性
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He was dealing also with the moral hazard and adverse selection problem.
他当时也视图解决道德风险,以及逆向选择的问题
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We have to then realize that there is a moral hazard problem.
我们还必须意识到,这里面存在着道德风险。
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I don't know these things personally, but it's my understanding that the whole structure is suffering some moral hazard problems and that they're evolving and trying to improve the institutions.
我没有亲身考察过，但我的理解是,这整个体系遭遇着道德风险的挑战,并且人们不断改进,尝试着改善机制。
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The classic example of moral hazard is with fire insurance.
道德风险的一个典型案例,就是火险。
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The other thing is moral hazard -this is that companies, once they borrow money from anybody, a bank or anyone else, they have an obligation, which is fixed in dollar terms.
另一个问题是道德风险,意思是说,一旦公司借了钱,无论是从银行还是其他渠道,他们就背负了一种义务,金钱的义务
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.. It's not going to work, we're not going to enjoy-- something's wrong with that because it's going to create a moral hazard problem and we're not going to be as productive.
那样行不通，我们没法-,那样会产生麻烦,会产生道德风险,生产力也会下降。
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When you manage risks, you create moral hazard.
当你试图管理风险时，就会产生道德风险。
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But, the problem they hit is moral hazard.
但他们遭遇了道德风险这一窘境。
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So, he started to discover moral hazard.
于是欧文开始注意“道德风险“这一现象。
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What is moral hazard?
什么是道德风险？
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I wanted to mention in this context, because I'm emphasizing how banks help solve the adverse selection and moral hazard problem -I wanted to mention briefly here also the rating agencies, which fulfill some of these functions.
我早就想在这段内容里讲讲这事了,因为我一直强调,银行是如何帮助解决逆向选择,以及道德风险问题的...,我还一直想在这里简要的提下,本应履行这些职能的那些信用评级机构
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It becomes an arm-twisting thing -because of this risk of moral hazard, the bank has a threat to take the money back and they are going to find out quickly if you, as a company, are behaving wrong.
这衍变成一种施压行为...,由于道德风险的存在,银行恐怕收不回欠款,因此,在你的公司行为不良时,他们便会迅速发现此事
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Non-obvious ideas were conceived of to solve these problems of long-term risks and to get around the psychological barriers imposed by framing biases and psychological biases, in order to allow people to actually manage the risk and to get around moral hazard.
解决方法需要被研究并发掘,来处理长期风险问题,避开由于框架效应,引起的心理障碍，能够使人们真正控制风险,规避道德风险。
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But the FSLIC wasn't; it was sleeping at the switch, so it allowed banks in the United States -it was primarily Savings and Loans who did this -to make bad loans and they were playing this moral hazard game.
但是FSLIC没有如此,制度变换初期他们对一切放任不管,于是这让美国的银行...,主要指的是那些储蓄贷款机构...,发放不良贷款,他们开始参与这项充满道德风险的游戏
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